A Business at a Glance
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Home Federal Bancorp, Inc. of Louisiana
HFBL
$68M
Mkt Cap
$21.95
-0.45%
Home Federal Bancorp, Inc. of Louisiana (HFBL) has a current P/E ratio of 17.4, compared to its historical median P/E of 10.5. The stock is currently considered Expensive based on its historical valuation range.
Home Federal Bancorp, Inc. of Louisiana (HFBL) has a 5-year average return on invested capital (ROIC) of 9.0%. This is below average and may indicate limited pricing power.
Home Federal Bancorp, Inc. of Louisiana (HFBL) has a market capitalization of $68M. It is classified as a small-cap stock.
Yes, Home Federal Bancorp, Inc. of Louisiana (HFBL) pays a dividend with a trailing twelve-month yield of 2.44%. The company also returns capital through share buybacks, with a buyback yield of 4.45%.
Based on historical P/E analysis, Home Federal Bancorp, Inc. of Louisiana (HFBL) appears expensive. The current P/E of 17.4 is 66% above its historical median of 10.5. The estimated fair value CAGR (P/E method) is 2.3%.
Home Federal Bancorp, Inc. of Louisiana (HFBL) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
Home Federal Bancorp, Inc. of Louisiana, a Louisiana chartered corporation (“Home Federal Bancorp” or the “Company”), is the holding company for Home Federal Bank (“Home Federal Bank” or the “Bank”). Home Federal Bank is a federally chartered stock savings bank originally organized in 1924 as Home Building and Loan Association. The Bank reorganized into the mutual holding company structure in January 2005 and changed its name to “Home Federal Bank” in 2009 as part of its business strategy to be recognized as a community bank. Home Federal Bank’s home office and ten full service branch offices are located in Caddo, Bossier and Webster Parishes, Louisiana and serve the Shreveport-Bossier City-Minden combined statistical area. In February 2023, the Bank acquired First National Bank of Benton and its full service branch office in Benton, Louisiana.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 23M | 32M | 33M | 29M | 23M | 26M |
| Net Income | 5.2M | 3.9M | 3.6M | 5.7M | 4.9M | 5.4M |
| EPS | $1.69 | $1.26 | $1.17 | $1.81 | $1.41 | $1.57 |
| Free Cash Flow | 0 | 5.5M | 2.3M | 12M | 17M | 8.2M |
| ROIC | 0.0% | 7.2% | 7.0% | 11.1% | 9.3% | 10.4% |
| Gross Margin | - | 64.4% | 64.0% | 81.3% | 90.3% | 80.1% |
| Debt/Equity | 0.07 | 0.07 | 0.13 | 0.17 | 0.04 | 0.05 |
| Dividends/Share | $0.53 | $0.53 | $0.51 | $0.49 | $0.39 | $0.33 |
| Operating Income | 0 | 4.7M | 4.1M | 6.8M | 6.0M | 6.8M |
| Operating Margin | 0.0% | 14.3% | 12.2% | 23.6% | 26.4% | 26.5% |
| ROE | 9.0% | 7.2% | 7.0% | 11.1% | 9.3% | 10.4% |
| Shares Outstanding | 3M | 3M | 3M | 3M | 3M | 3M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 16M | 18M | 19M | 21M | 21M | 22M | 24M | 26M | 23M | 29M | 33M | 32M | 23M |
| Gross Margin | 83.9% | 84.3% | 84.6% | 82.2% | 78.8% | 76.9% | 70.9% | 80.1% | 90.3% | 81.3% | 64.0% | 64.4% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 5.6M | 6.3M | 6.8M | 7.2M | 6.5M | 6.4M | 7.7M | 8.7M | 9.0M | 9.1M | 9.5M | 8.9M | 8.7M |
| EBIT | 4.1M | 5.0M | 5.0M | 5.4M | 5.8M | 6.0M | 4.8M | 6.8M | 6.0M | 6.8M | 4.1M | 4.7M | 0 |
| Op. Margin | 26.3% | 28.3% | 26.8% | 26.0% | 27.2% | 27.1% | 19.8% | 26.5% | 26.4% | 23.6% | 12.2% | 14.3% | 0.0% |
| Net Income | 2.7M | 3.4M | 3.4M | 3.7M | 3.6M | 4.7M | 3.9M | 5.4M | 4.9M | 5.7M | 3.6M | 3.9M | 5.2M |
| Net Margin | 17.7% | 18.9% | 18.0% | 17.6% | 16.7% | 21.3% | 15.9% | 20.9% | 21.5% | 19.9% | 10.7% | 12.0% | 22.8% |
| Non-Recurring | 0 | 0 | 0 | 0 | -1K | -345K | 0 | -42K | -48K | 4K | 0 | -6K | -6K |
| Returns on Capital | |||||||||||||
| ROIC | 6.5% | 7.8% | 7.8% | 8.1% | 7.6% | 9.7% | 7.6% | 10.4% | 9.3% | 11.1% | 7.0% | 7.2% | 0.0% |
| ROE | 6.5% | 7.8% | 7.8% | 8.1% | 7.6% | 9.7% | 7.6% | 10.4% | 9.3% | 11.1% | 7.0% | 7.2% | 9.0% |
| ROA | 0.9% | 1.0% | 0.9% | 0.9% | 0.8% | 1.1% | 0.8% | 1.0% | 0.8% | 0.9% | 0.6% | 0.6% | 0.8% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | -2.4M | -716K | 7.1M | 3.4M | 13M | 4.8M | 200K | 8.3M | 17M | 12M | 2.3M | 5.5M | 7.6M |
| Free Cash Flow | -5.0M | -2.8M | 4.4M | 2.7M | 13M | 4.7M | 164K | 8.2M | 17M | 12M | 2.3M | 5.5M | 0 |
| Owner Earnings | -2.9M | -1.1M | 6.5M | 2.7M | 12M | 4.1M | -606K | 7.5M | 16M | 11M | 922K | 4.0M | -1.1M |
| CapEx | 2.6M | 2.1M | 2.6M | 671K | 63K | 52K | 36K | 124K | 0 | 90K | 38K | 0 | 0 |
| Maint. CapEx | 303K | 384K | 441K | 505K | 503K | 536K | 653K | 665K | 763K | 1.0M | 1.3M | 1.4M | 8.7M |
| Growth CapEx | 2.3M | 1.7M | 2.2M | 166K | 0 | 0 | 0 | 0 | N/A | 0 | 0 | N/A | 0 |
| D&A | 303K | 384K | 441K | 505K | 503K | 536K | 653K | 665K | 763K | 1.0M | 1.3M | 1.4M | 8.7M |
| CapEx/OCF | N/A | N/A | 37.2% | 2.7% | 0.5% | 1.1% | 18.0% | 1.5% | N/A | 0.7% | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 551K | 613K | 660K | 705K | 924K | 1.1M | 1.1M | 1.1M | 1.4M | 1.5M | 1.6M | 1.6M | 1.6M |
| Dividend Yield | 1.9% | 2.0% | 1.9% | 1.8% | 2.1% | 2.1% | 1.2% | 2.7% | 2.3% | 3.0% | 4.2% | 4.3% | 2.4% |
| Share Buybacks | 2.3M | 2.9M | 3.4M | 645K | 2.0M | 2.4M | 4.1M | 2.6M | 4.5M | 6.0M | 487K | 1.1M | 3.0M |
| Buyback Yield | 7.3% | 9.2% | 10.2% | 1.7% | 4.0% | 4.7% | 10.8% | 4.4% | 6.9% | 15.0% | 1.5% | 2.6% | 4.5% |
| Stock-Based Comp | 162K | 0 | 92K | 152K | 134K | 134K | 153K | 153K | 117K | 123K | 118K | 112K | 51K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -62M | -66M | -55M | -49M | -45M | -59M | -95M | -132M | -90M | -56M | -55M | -48M | -54M |
| Cash & Equiv. | 14M | 21M | 4.8M | 12M | 16M | 18M | 55M | 104M | 64M | 25M | 35M | 17M | 58M |
| Long-Term Debt | N/A | N/A | 24M | 12M | 6.4M | 1.1M | 867K | 832K | N/A | N/A | N/A | N/A | 149K |
| Debt/Equity | 0.00 | 0.00 | 0.01 | 0.00 | 0.01 | 0.01 | 0.05 | 0.05 | 0.04 | 0.17 | 0.13 | 0.07 | 0.07 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 43M | 43M | 43M | 46M | 47M | 50M | 51M | 53M | 52M | 51M | 53M | 55M | 58M |
| Total Assets | 330M | 370M | 382M | 427M | 422M | 442M | 518M | 566M | 590M | 661M | 638M | 609M | 621M |
| Total Liabilities | 287M | 326M | 338M | 380M | 375M | 392M | 468M | 513M | 538M | 610M | 585M | 554M | 564M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 1.5M | 1.2M | 915K | 784K |
| Retained Earnings | 28M | 12M | 11M | 13M | 14M | 15M | 14M | 15M | 15M | 13M | 14M | 15M | 15M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.65 | 0.83 | 0.87 | 0.96 | 0.94 | 1.25 | 0.54 | 1.57 | 1.41 | 1.81 | 1.17 | 1.26 | 1.69 |
| Owner EPS | -0.67 | -0.27 | 1.68 | 0.71 | 3.27 | 1.09 | -0.08 | 2.20 | 4.68 | 3.47 | 0.30 | 1.29 | -0.37 |
| Book Value | 10.06 | 10.67 | 11.18 | 12.09 | 12.33 | 13.27 | 7.02 | 15.43 | 15.15 | 16.04 | 17.19 | 17.89 | 18.76 |
| Cash Flow/Share | -0.56 | -0.18 | 1.82 | 0.88 | 3.43 | 1.26 | 0.03 | 2.44 | 4.94 | 3.84 | 0.75 | 1.77 | 4.52 |
| Dividends/Share | 0.13 | 0.15 | 0.17 | 0.18 | 0.24 | 0.28 | 0.16 | 0.33 | 0.39 | 0.49 | 0.51 | 0.53 | 0.53 |
| Shares Out. | 4.3M | 4.1M | 3.9M | 3.8M | 3.8M | 3.8M | 7.2M | 3.4M | 3.5M | 3.2M | 3.1M | 3.1M | 3.1M |
| Valuation | |||||||||||||
| P/E Ratio | 11.6 | 9.5 | 9.7 | 10.3 | 13.8 | 11.0 | 10.0 | 11.0 | 13.3 | 7.0 | 9.2 | 10.6 | 13.0 |
| P/FCF | N/A | N/A | 7.4 | 14.0 | 3.8 | 11.0 | 467.9 | 7.2 | 3.8 | 3.3 | 14.5 | 7.5 | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 0.7 | 0.7 | 0.8 | 0.8 | 1.0 | 1.0 | 0.8 | 1.1 | 1.2 | 0.8 | 0.6 | 0.7 | 1.2 |
| Price/Sales | 2.2 | 2.0 | 2.1 | 2.2 | 2.4 | 2.9 | 2.5 | 1.8 | 2.9 | 2.1 | 1.8 | 1.8 | 3.0 |
| FCF Yield | -15.8% | -8.9% | 13.5% | 7.2% | 26.5% | 9.1% | 0.4% | 13.9% | 26.4% | 30.2% | 6.9% | 13.3% | N/A |
| Market Cap | 32M | 32M | 33M | 38M | 49M | 52M | 38M | 59M | 65M | 40M | 33M | 41M | 68M |
| Avg. Price | 6.72 | 7.50 | 8.76 | 10.17 | 11.49 | 13.34 | 13.06 | 12.10 | 17.24 | 16.10 | 12.24 | 12.27 | 21.95 |
| Year-End Price | 7.47 | 7.84 | 8.44 | 9.88 | 12.88 | 13.75 | 10.66 | 17.26 | 18.70 | 12.61 | 10.79 | 13.33 | 21.95 |
Home Federal Bancorp, Inc. of Louisiana passes 4 of 9 quality checks, suggesting mixed fundamentals.
Home Federal Bancorp, Inc. of Louisiana trades at 17.4x trailing earnings, compared to its 15-year median P/E of 10.5x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 12.4x vs a median of 7.4x. The company's 5-year average ROIC is 9.0% with a gross margin of 76.0%. Total shareholder yield (dividends + buybacks) is 6.9%. At current prices, the estimated annualized return to fair value is +11.5%.
Home Federal Bancorp, Inc. of Louisiana (HFBL) reported annual revenue of $32 million in its most recent fiscal year, based on SEC EDGAR filings.
Home Federal Bancorp, Inc. of Louisiana (HFBL) has a net profit margin of 12.0%. This is a healthy margin.
Home Federal Bancorp, Inc. of Louisiana (HFBL) generated $5 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Home Federal Bancorp, Inc. of Louisiana (HFBL) has a debt-to-equity ratio of 0.07. This indicates a conservatively financed balance sheet.
Home Federal Bancorp, Inc. of Louisiana (HFBL) reported earnings per share (EPS) of $1.26 in its most recent fiscal year.
Home Federal Bancorp, Inc. of Louisiana (HFBL) has a return on equity (ROE) of 7.2%. This indicates moderate shareholder returns.
Home Federal Bancorp, Inc. of Louisiana (HFBL) has a 5-year average gross margin of 76.0%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 15 years of financial data for Home Federal Bancorp, Inc. of Louisiana (HFBL), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Home Federal Bancorp, Inc. of Louisiana (HFBL) has a book value per share of $17.89, based on its most recent annual SEC filing.
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